RBI Revises Small-Value Loan Ceiling for Urban Co-Operative Banks
| Summary/Static | Details |
|---|---|
| Why in the news? | RBI Raises Small Loan Limit for UCBs to ₹3 Crore |
| Revised Small Loan Ceiling | ₹3 crore per borrower |
| Definition of Small Loans | ≤ ₹25 lakh or 0.4% of Tier I capital, whichever is higher |
| Minimum Small Loan Requirement | 50% of total loans by March 31, 2026 |
| Housing & Real Estate Exposure Limit | 10% of total assets + 5% for priority sector |
| Individual Housing Loan Limits | ₹60 lakh (Tier-1 UCBs), ₹1.4 crore (other UCBs) |
| Non-Priority Residential Mortgage Cap | ≤ 25% of total loans & advances |
| Real Estate Exposure Cap (Excluding Individual Loans) | ≤ 5% of total loans & advances |